The Assets Perspective presents a multi-dimensional exploration of the rise of asset building as a new social policy framework. By focusing on long-term economic health outcomes rather than short-term income or poverty, this book offers a valuable lens for thinking about social policy - pointing to opportunities for policy interventions designed to assist families in building their asset base. Topics covered include the evolution of public assistance programs, the racial wealth gap, impact of the Great Recession, the challenge of affordable homeownership, the history of financial services, and the potential of policy reform. With contributions from leading scholars, the book considers how the assets perspective has impacted the manner in which social policy is conceived, designed, and delivered.Payday lending is, by definition, more closely tethered to income than any other form of consumer credit. ... A consumer not calculating the cost of a loan based on APR might assume a payday loan is less expensive than, say, a credit cardanbsp;...
|Title||:||The Assets Perspective|
|Author||:||Reid Cramer, Trina R. Williams Shanks|
|Publisher||:||Palgrave Macmillan - 2014-03-06|